Middlesex County, Massachusetts Closing Costs
On the $727,800 median Middlesex County home, the county-specific closing items come to about $6,511: transfer tax $3,319, title insurance $2,832, recording fees $360. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Recording fees | Total |
|---|---|---|---|---|
| $150,000 | $684 | $723 | $360 | $1,767 |
| $200,000 | $912 | $905 | $360 | $2,177 |
| $250,000 | $1,140 | $1,088 | $360 | $2,588 |
| $300,000 | $1,368 | $1,270 | $360 | $2,998 |
| $350,000 | $1,596 | $1,453 | $360 | $3,409 |
| $400,000 | $1,824 | $1,635 | $360 | $3,819 |
| $450,000 | $2,052 | $1,818 | $360 | $4,230 |
| $500,000 | $2,280 | $2,000 | $360 | $4,640 |
| $600,000 | $2,736 | $2,365 | $360 | $5,461 |
| $700,000 | $3,192 | $2,730 | $360 | $6,282 |
| $800,000 | $3,648 | $3,095 | $360 | $7,103 |
| $1,000,000 | $4,560 | $3,825 | $360 | $8,745 |
Frequently asked questions
How much are closing costs in Middlesex County?
On the $727,800 median home, the county-specific items come to about $6,511: transfer tax $3,319, title insurance $2,657 for the owner's policy and $175 for the lender's, and about $360 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Middlesex County?
The seller customarily pays the Massachusetts transfer tax. Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau QuickFacts: Middlesex County, Massachusetts - Median value of owner-occupied housing units, 2020-2024 (ACS 5-Year)
- M.G.L. c. 64D, Excise on Deeds, Instruments and Writings
- CATIC, Massachusetts Title Insurance Premiums (Rate Book), effective July 1, 2017 (catic.com's own hosted copy 403s a direct fetch; retrieved via the Wayback Machine's July 2024 capture of the same URL, https://web.archive.org/web/20240703035811/https://catic.com/sites/default/files/2023-02/Massachusetts%20Rate%20Book_July2017.pdf)
- Middlesex South Registry of Deeds (Cambridge) and Middlesex North Registry of Deeds (Lowell) fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
All Massachusetts buyer closing costs → Middlesex County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Middlesex County overview